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The Hartford Financial Services Group HIG Employee Benefits — Insurance Operating Costs and Other Expenses

Other segment segments

P&C Business Insurance
$2.23B+8.7%
Hartford Funds
$844M+2.4%
P&C Personal Insurance
$791M+6.6%
Property & Casualty Other Operations
$9M-30.8%

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Other financials

Income statement

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Revenue$7.2B+6.1%
Net income$856.0M+35.9%
EPS (diluted)$3.04+41.4%

Balance sheet

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Cash & equivalents$166.0M+20.3%
Total debt$4.4B+0.1%
Total equity$18.9B+12.1%
Total assets$86.3B+4.9%

Cash flow

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Operating cash flow$1.0B+6.1%
CapEx$31.0M-18.4%
Free cash flow$1.0B+7.1%

Valuation

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Market cap$36.7B+2.1%
Enterprise value$40.91B+1.9%
P/E-2.0×
P/S1.3×0.0×

Profitability

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Net margin14.1%+3.0pp
FCF margin20.2%-0.8pp

Returns & leverage

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Return on equity22.7%+4.2pp
Debt / equity0.2×0.0×

Where this comes from

Reported directly by The Hartford Financial Services Group in its filing.

Tagged under the XBRL concept us-gaap:SupplementaryInsuranceInformationOtherOperatingExpense.

The official record: The Hartford Financial Services Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is The Hartford Financial Services Group's employee benefits — insurance operating costs and other expenses?
The Hartford Financial Services Group (HIG) reported employee benefits — insurance operating costs and other expenses of $428.75M in Q4 2025.
How has The Hartford Financial Services Group's employee benefits — insurance operating costs and other expenses changed year-over-year?
The Hartford Financial Services Group's employee benefits — insurance operating costs and other expenses increased by 4.0% year-over-year, from $412.25M to $428.75M.
What is the long-term trend for The Hartford Financial Services Group's employee benefits — insurance operating costs and other expenses?
Over 3 years (2022 to 2025), The Hartford Financial Services Group's employee benefits — insurance operating costs and other expenses has grown at a 4.4% compound annual growth rate (CAGR), from $1.51B to $1.72B.
What does employee benefits — insurance operating costs and other expenses mean?
This metric captures the general administrative and operational overhead required to run the insurance segment, excluding direct claim costs and policy acquisition costs. It includes items such as personnel salaries, technology infrastructure, office facilities, and general corporate allocations. Monitoring this helps assess the operational leverage and cost-management discipline of the business unit.